CN101324942A - Payment system and method performing trade by identification card including IC card - Google Patents
Payment system and method performing trade by identification card including IC card Download PDFInfo
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- CN101324942A CN101324942A CNA200710112394XA CN200710112394A CN101324942A CN 101324942 A CN101324942 A CN 101324942A CN A200710112394X A CNA200710112394X A CN A200710112394XA CN 200710112394 A CN200710112394 A CN 200710112394A CN 101324942 A CN101324942 A CN 101324942A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/26—Debit schemes, e.g. "pay now"
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3221—Access to banking information through M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
Abstract
The invention relates to a method of payment by utilizing an ID containing an IC card to conduct a transaction. The method comprises the following steps: (1) reading non-deciphered subscriber identity information by using an ID card reader; (2) encrypting transaction amount input by a merchant through using a first encryption key, encrypting the password corresponding to the account input by a subscriber with a bank encryption key, and sending the transaction amount and the account and the non-deciphered subscriber identity information to a middle platform; (3) deciphering the subscriber identity information by using the middle platform, and sending new transaction information to an issuing subsystem; and (4) searching the bank account by using the issuing subsystem, checking the corresponding password of the deciphered account, processing the transaction and returning processing results. By utilizing the characteristics of the prior second-generation identity card, such as good encryption effect, generalization, etc., the consumption transactions can be carried out with reduced cost investment and high safety factor.
Description
Technical field
The present invention relates to data processing field, relate in particular to payment system and the method for utilizing the I.D. comprise IC-card to conclude the business.
Background technology
Carry defectives such as inconvenience, security are low because money transaction exists, so bank card is widely used in various transaction occasions, therefore increasing people is accustomed to adopting bank card to be consumed.See also Fig. 1, it is existing a kind of theory diagram that utilizes the system that bank card concludes the business.It comprises terminal 13, the trade company's subsystem 12 that is used to read bank card information and receives list system 11.Trade company's subsystem 12 comprises server and plurality of client end, and client connecting terminal, the server of trade company's subsystem 12 are received the receipts list system 11 of single file by private line access.When the receipts single file is not credit card issuer, also need to connect the hair fastener subsystem of credit card issuer by the inter-bank transaction subsystem of Unionpay.
When the user utilizes bank card to consume, can terminal (as cashier's machine etc.) discern the true and false of bank card by reading bank card earlier, and client is sent to the Transaction Information of identity information, bank card number information and this transaction of the sign user identity of user's input the server of trade company's subsystem 12 more then; The server of trade company's subsystem 12 is sent to the list system 11 of receiving with those information subsequently; If receiving single file is credit card issuer, then receive the list system and directly handle this transaction, handle otherwise be sent to credit card issuer by inter-bank transaction subsystem.The hair fastener subsystem utilizes bank card number information and identity information to verify this user's identity, if authentication passes through, then to the processing of withholing of the account of this card number correspondence, and the result of will withholing returns, and do not pass through information otherwise return authentication.When trade company's subsystem 12 receive withhold handle successful message after, trade company can allow consumer's Signature Confirmation on sales slip.
Above-mentioned disclosed be modal a kind of process of exchange in the prior art, under this process, have following defective:
At whole process of exchange, utilize " account name+password " and bank card to finish the authentication of whole process of exchange.Can prior art read the very big risk of true and false existence that bank card is discerned bank card by terminal (as POS machine, ATM) usually.Existing bank card adopts the magnetic stripe card technology to make, and the imitation difficulty is low, is easy to be copied.For this reason, the scheme of bank card by the alternative magnetic stripe card of smart card proposed at present.Such as, the smart card that adopts the EMV technology to make.EMV is by the common intelligent IC bank card technology standard initiating formulation of three big international bank card tissues such as Continental Europe Europay, Master Master, Visa Visa, this standard-required bank card cpu chip will have operation independent, encryption and decryption and storage capacity, thereby reaches higher security.But to the smart card transfer process, cost is very high from magnetic stripe card for bank card: the cost that a sheet smart card is tens, and POS machine, ATM will read this smart card and will transform it and need great amount of cost.Even cost great amount of manpower and material resources are finished bank card from the conversion of magnetic stripe card to smart card, still, because huge interests exist, the lawless person still can puppet produce corresponding intelligent card.That is to say, can read bank card by terminals such as ATM, POS machines and can only judge simply whether bank card is pseudo-card, can't confirm at all whether described bank card is that the user uses the bank card of being issued by financial institution.After if the lawless person obtains user profile (as password),, still cause the loss financially of user or trade company easily owing to there are not the means of the strong identifying user identity of other feasibility.From another angle, bank card is not overnight from magnetic stripe card to the smart card conversion, and in this process, the means that more need the strong identifying user identity of other feasibility further guarantee the security of transaction.
That is to say, in the prior art when ATM, POS machine receive user input the account correspondence password and read the bank account of bank card after, usually only the password of account correspondence is encrypted the back and transmit, and bank account, dealing money etc. all are to adopt clear-text way to transmit.The lawless person is easy to obtain information such as bank account after utilizing unlawful means to obtain the password of account correspondence, and then causes loss on the property for real user, reduces the security of bank transaction greatly.
Summary of the invention
Payment system that the I.D. that the object of the present invention is to provide a kind of utilization to comprise IC-card is concluded the business and method utilize bank card to carry out the not high technical matters of transaction security to solve prior art.
Another object of the present invention is to provide a kind of and realize conveniently, identity identifying method simple to operate.
In order to achieve the above object, the invention provides the payment system that I.D. that a kind of utilization comprises IC-card is concluded the business, comprise and accept facility, belly board and hair fastener subsystem that the described facility of accepting comprise I.D. card reader, input block, encryption equipment, processor, communication unit, wherein
The I.D. card reader is used to read the subscriber identity information without deciphering;
Input block is used to receive the outside information of importing: receive the account password of the dealing money of trade company's input, the account password that receives user's input or reception user input and the credit card issuer information that the user selectes;
Processor is used for that the information that described input block sends is sent to encryption equipment and encrypts, and the information after will encrypting be sent to communication unit without the subscriber identity information of deciphering;
Encryption equipment comprises first encryption equipment at least, and described first encryption equipment is used for the corresponding password of the account of accounts information is encrypted with bank's encryption key of described credit card issuer correspondence or the corresponding password of account is encrypted with bank's encryption key that the third party provides;
Communication unit is used to set up mutual with belly board: the information after will encrypting is sent to belly board and the result of belly board transmission is back to processor;
Belly board comprises second processor, identity decipher and communication interface,
The identity decipher is used for the subscriber identity information of not deciphering is decrypted;
Second processor, be used to preserve subscriber identity information and dealing money after the deciphering, if find the bank account of described subscriber identity information correspondence, then the new transaction information that the corresponding password of the account of dealing money, bank account and not deciphering is formed is sent to the hair fastener subsystem, otherwise the new transaction information that the corresponding password of the account of subscriber identity information, dealing money and not deciphering is formed is sent to the hair fastener subsystem, and returns after the result that the hair fastener subsystem returns preserved;
Communication interface is set up respectively and is accepted communicating by letter between facility, the hair fastener subsystem;
The hair fastener subsystem is directly searched Bank Account Number or is searched the Bank Account Number of subscriber identity information correspondence, checks the corresponding password of account after the deciphering, handles described transaction and the transaction processing result is returned.
Described I.D. card reader comprises antenna and RF module, and the RF module connects antenna, and the not subscriber identity information of deciphering that is used for receiving is sent to processor.
Described identity decipher comprises that one or more has the deciphering chip of parallel processing capability.
Encryption equipment also comprises second encryption equipment, is used for the consumption amount of money is encrypted with predefined first encryption key, and described belly board also comprises second decipher, is used for the consumption amount of money by first encryption keys is decrypted.
First encryption key of accepting the facility preservation is independent separately and can identifies the private key that it accepts facility that belly board adopts same PKI to decipher by difference and accepts the encryption consumption amount of money that facility send.
The hair fastener subsystem is integrated on the belly board, and first encryption equipment and second encryption equipment are same encryption equipment.
Described communication unit is the modulator-demodular unit of supporting landline telephone, diverse network dial mode or the private port that directly is connected with the opposite end by LAN (Local Area Network) with communication interface.
A kind of utilization comprises the method for payment that the I.D. of IC-card is concluded the business, and comprising:
(1) the I.D. card reader is read the subscriber identity information without deciphering;
(2) account number cipher of user input is encrypted after, be sent to belly board with subscriber identity information and dealing money without deciphering;
(3) belly board is deciphered the subscriber identity information that receives, if find the bank account of described subscriber identity information correspondence, then the new transaction information that the corresponding password of the account of dealing money, bank account and not deciphering is formed is sent to the hair fastener subsystem, otherwise the new transaction information that the corresponding password of the account of subscriber identity information, dealing money and not deciphering is formed is sent to the hair fastener subsystem;
(4) the hair fastener subsystem is directly searched Bank Account Number or is searched the Bank Account Number of subscriber identity information correspondence, checks the corresponding password of account after the deciphering, handles described transaction and the transaction processing result is returned.
Step (1) also comprises before: store user's the ID (identity number) card No. and the corresponding relation of bank account in advance on belly board; Step (3) also comprises: after belly board decrypts user identity card number, if can find the bank account of the ID (identity number) card No. correspondence after the deciphering, then described bank account is sent to described hair fastener subsystem as an ingredient of Transaction Information.
Step also further comprises in (2): accept facility with dealing money with predefined first encryption keys; Step (3) also comprises: the belly board not decrypted transaction amount of money is decrypted.
Step (4) also comprises, the hair fastener subsystem is searched the Bank Account Number of described subscriber identity information correspondence, if the corresponding a plurality of Bank Account Numbers of same ID (identity number) card No. in this credit card issuer, then payment failure and point out to belly board requirement user and set a pair of Bank Account Number that is applied to pay.
A kind of facility of accepting comprise the I.D. card reader that comprises antenna and RF module, input block, encryption equipment, processor, communication unit, wherein,
The I.D. card reader is used to read the subscriber identity information without deciphering;
Input block is used to receive the outside information of importing: receive the account password of the dealing money of trade company's input, the account password that receives user's input or reception user input and the credit card issuer information that the user selectes;
Processor is used for that the information that described input block sends is sent to encryption equipment and encrypts, and the information after will encrypting be sent to communication unit without the subscriber identity information of deciphering;
Encryption equipment comprises first encryption equipment at least, and described first encryption equipment is used for the corresponding password of the account of accounts information is encrypted with bank's encryption key of described credit card issuer correspondence or the corresponding password of account is encrypted with bank's encryption key that the third party provides;
Communication unit is used to set up mutual with external unit.
A kind of belly board comprises second processor, identity decipher and communication interface, and database storage area, wherein,
The identity decipher is used for the subscriber identity information of not deciphering is decrypted;
Second processor is used for the corresponding password of the account that receives is decrypted, and finds the bank account of described subscriber identity information correspondence at database storage area, checks described bank account password and the corresponding password of deciphering after obtaining of account, handles described transaction;
Communication interface, be used to set up with external unit between communication: receive the transaction request that comprises decrypted user identity information not, do not decipher the corresponding password of account and consume the amount of money, and return the transaction processing result;
Database storage area is used to store the data that comprise corresponding relation between subscriber identity information and bank account corresponding relation, bank account and the account password.
A kind of belly board comprises second processor, identity decipher and communication interface, wherein,
The identity decipher is used for the subscriber identity information of not deciphering is decrypted;
Second processor, be used to preserve the subscriber identity information and the consumption amount of money, if find the bank account of described subscriber identity information correspondence, then the new transaction information that the corresponding password of the account of dealing money, bank account and not deciphering is formed is sent to the hair fastener subsystem, otherwise the new transaction information that the corresponding password of the account of subscriber identity information, dealing money and not deciphering is formed is sent to the hair fastener subsystem, and returns after the result that the hair fastener subsystem returns preserved;
Communication interface, set up with external unit between communicate by letter: receive and accept the transaction request of consuming the amount of money, subscriber identity information and account password that comprises that facility send, new transaction request is sent to the hair fastener subsystem, the result that reception is returned from the hair fastener subsystem also is back to result and accepts facility.
Compared with prior art, the I.D. (as second generation I.D.) that utilization of the present invention comprises IC-card carries out consumer sale, avoid using bank card, not only reduced the cost of fabrication, and utilize characteristics such as existing second generation I.D. cipher round results is good, universal to carry out consumer sale, input and safety coefficient height reduce cost.
Specifically, the present invention can improve the security of payment process and reduces cost by following means:
At first, the present invention is in payment process, and the consumer need not to provide the Bank Account Number of bank card, even the lawless person can intercept and capture in the payment process trade company to the transaction data of belly board, but because it can not obtain Bank Account Number, therefore can not forge bank card, be not easy to cause damage to the client.
Secondly, the present invention is in payment process, and bank cipher can adopt the mode of the higher digital certificate of safety coefficient to carry out encryption and decryption, thereby guarantees in the whole process of exchange, the security of bank cipher, thus also guaranteed the security of payment process.
Then, what the present invention read in accepting facility is the subscriber identity information of not deciphering, and the deciphering chip that just provided by IC card of ID card manufacturing factory behind the belly board of Xie Mi subscriber identity information is not decrypted.This processing mode can avoid trade company's end subscriber identity information to be distorted.The most important thing is that IC card of ID card manufacturing factory only need authorize belly board can finish decryption work, and need not to accept facility to authorize deciphering, not only improved security, and reduced cost to each.
At last, the corresponding password of the account of user's input is encrypted with bank's encryption key that corresponding third party provides or bank provides, like this, have only bank's end could decipher the corresponding password of corresponding account, in this way, can guarantee that important information such as the corresponding password of subscriber identity information and account is not revealed, thereby guarantee the security of process of exchange.
Description of drawings
Fig. 1 is existing a kind of theory diagram that utilizes the system that bank card concludes the business;
Fig. 2 is the theory diagram that utilizes the system that bank card concludes the business of the present invention;
Fig. 3 is first kind of principle assumption diagram of accepting facility of the present invention;
Fig. 4 is first kind of example block diagram of accepting facility of the present invention;
Fig. 5 is second kind of principle assumption diagram of accepting facility of the present invention;
The third accepts the theory structure synoptic diagram of facility to Fig. 6 for the present invention;
Fig. 7 comprises the process flow diagram of the method for payment that the I.D. of IC-card concludes the business for a kind of utilization of the present invention;
Fig. 8 is an implementing procedure figure of the present invention;
Fig. 9, its I.D. that comprises IC-card for a kind of utilization carries out the process flow diagram of the method for authentication.
Embodiment
Below in conjunction with accompanying drawing, specify the present invention.
Core of the present invention is: the I.D. (as second generation I.D.) that utilization of the present invention comprises IC-card carries out consumer sale, and use together in conjunction with bank card, can utilize characteristics such as existing second generation I.D. cipher round results is good, universal to carry out consumer sale, and in whole process of exchange, further strengthen safety in the communication process with key, and utilize characteristics such as existing second generation I.D. cipher round results is good, universal to carry out consumer sale, input and safety coefficient height reduce cost.
Compare and first generation I.D., the safety anti-fake performance of second generation I.D. improves.Second generation I.D. constitutes by 9 layers, outmost this two-layer record be individual identity information, print thereon.Also having one deck to be called the trim layer, prevent static, can see the anti false film of Great Wall beacon tower pattern and " Chinese CHINA " on this layer, saffron, green anti-false sign is arranged, is a more advanced technology.This layer has an IC chip, and long 8 millimeters, wide 5 millimeters, 0.4 millimeter of thickness has two antennas, and a circle all is a coil, mainly is for fear of leakage of personal information, but can reads out personal information by specialized card reader.So the I.D. of a new generation mainly is the false proof measure of two aspects from the security performance aspect, one is the digital anti-counterfeiting measure, exactly individual's information is write chip, adopts the way of digital encryption.The password in an area, each citizen have a password.Anti-counterfeiting technology is that our country oneself develops, and security is very high.Another is the antiforge technology, and printed layers pattern two sides has.The anti-counterfeiting technology of printing has been taked a lot of measures, owing to adopted digital anti-counterfeiting measure, antiforge measure, security has obtained improving greatly.And,, be used to read the also appearance accordingly of card reader of second generation I.D. along with the appearance of existing second generation I.D..In order to improve security, existing card reader is to be developed separately by the state ministry of public security door, is offered and its signatory third party by it.
See also Fig. 2, the structure principle chart of the payment system that its I.D. that comprises IC-card for a kind of utilization of the present invention is concluded the business.It comprises some facility 1, belly board 2 and some hair fastener subsystems 3 accepted.Each accepts facility 1 expression one trade company.
Below introduce the facility of accepting of the present invention earlier.
See also Fig. 3, it is first kind of principle assumption diagram of accepting facility of the present invention.The described facility of accepting comprise I.D. card reader 22, input block 23, output unit 24, processor 21, communication unit 25 and encryption equipment 26, wherein,
I.D. card reader 22 is used to read the subscriber identity information that comprises user identity card number on the user identity card at least.
I.D. card reader 22 promptly adopts the reading device of the aforementioned second generation ID (identity number) card information of mentioning, is used to read the content on the IC-card on the user identity card.This I.D. card reader 22 mainly comprises antenna 221, RF module 222.Antenna 221 connects RF module 222, and antenna 221 and RF module 222 are mainly used in and receive on the I.D. without the identity information of deciphering.It is the electric field excitation signal that RF module 222 is constantly sent a fixed frequency, when a certain I.D. when the I.D. card reader, coil on the I.D. produces faint electric current in the induction of this electric field excitation signal, power supply as IC chip on the I.D., and the subscriber identity information of the IC chip internal memory contain on this I.D. through encrypting, chip on the I.D. is under the effect of this electric field excitation signal, the subscriber identity information of the encryption of storage in this chip can be fed back to I.D. card reader 22, after the antenna 221 of I.D. card reader 22 and RF module 222 receive the subscriber identity information of encryption, send in the processor 21.
Input block 23 is used to receive the outside information of importing: the corresponding password of account of the dealing money of reception trade company input, the account correspondence password that receives user's input or reception user input and the credit card issuer information that the user selectes.Input block 23 can be keyboard, touch-screen etc.Generally, input block 23 needs to receive the corresponding password of account and the credit card issuer information of user's input, and the dealing money of trade company's input.The corresponding password of the account of user's input is encrypted with bank's encryption key of the selected credit card issuer correspondence of user.
Output unit 24 is used for this transaction results is exported.Output unit 24 comprises display screen, printer etc.If being used for the output of this transaction results, so that whether successfully trade company and user can come to determine whether success of this transaction from withholing, and unsuccessful, is owing to which kind of reason to bring transaction and get nowhere etc.In addition, output unit 24 can print transaction results, as the voucher of this transaction.
Processor 21, connect input block 23, output unit 24 and I.D. card reader 22 respectively, be used for controlling the operations of process of exchange trade company, comprise the information of described input block 23 transmissions is imported into to encryption equipment 26, after encryption equipment 26 data encrypted are organized into predefined form, be sent to communication unit 25, and the result of communication unit 25 feedbacks is sent to output unit 24.Processor 21 can adopt existing programmable logic device (PLD).Such as, processor adopting single-chip microcomputer, as the single-chip microcomputer or the microprocessor of 89S52,80C52,51 Series chip such as 8752 or other models.
Encryption equipment 26 comprises first encryption equipment and second encryption equipment, described first encryption equipment is used for the corresponding password of account is encrypted with bank's encryption key of described credit card issuer correspondence or account correspondence password is encrypted with bank's encryption key that the third party provides, and second encryption equipment is used for dealing money with predefined first encryption keys.
Encryption equipment 26 also can be encrypted the corresponding password of account with bank's encryption key that the third party provides, and the third party also is sent to signatory cooperative bank with bank's decruption key of correspondence, bank's decruption key of each cooperative bank can be inequality, also can be identical, but each cooperative bank adopt the bank's decruption key that receives can both decrypt the corresponding password of account.
Encryption equipment 26 adopts the back dual mode to encrypt usually, and first encryption key is belly board 2 and each tame trade company agreement, is used for the secure communication between belly board 2 and each the tame trade company.Described belly board 2 is for accepting a platform of communicating by letter between facility 1 and each tame bank.Accept facility 1 directly and each tame bank connect, it is to be undertaken and the communicating by letter of each tame bank by belly board 2.Each first encryption key can be provided with corresponding decruption key by belly board 2.In the present embodiment, it is private key that first encryption key adopts, then first encryption key can be used for identifying the different facility 1 of accepting, be that each first encryption key correspondence one is accepted facility 1, and the PKI that belly board 2 is preserved, it can adopt this PKI to decipher difference and accept facility 1 data of first encryption keys independently separately.
Encryption equipment 26 can only comprise first encryption equipment, also can comprise first encryption equipment and second encryption equipment.In addition, encryption equipment 26 can be provided with separately, also can be to be integrated on the processor.Be that encryption equipment 26 can adopt independently single-chip microcomputer, such as the single-chip microcomputer that adopts the MCS model.Like this, encryption equipment 26 connection processing devices 21.In the present embodiment, encryption equipment 26 is to be integrated on the described processor 21 as a software module.The dealing money that the accounts information that the subscriber identity information that processor 21 will not deciphered, first encryption equipment are encrypted and second encryption equipment are encrypted is sent to communication unit 25 according to preestablishing form.
When the provider of card sending mechanism and belly board is same mechanism, that is to say, the hair fastener subsystem is not an independent system, when it is integrated in belly board, it can be identical with the bank encryption key that each family accepts first encryption key that facility adopt, like this, accepts facility and utilizes the corresponding password of the first encryption keys account and the consumption amount of money, and belly board utilizes PKI to decipher those information, and handles transaction this time.
Processor 21 can receive the instruction of outside input and finish corresponding work, such as, upgrade bank's encryption key of local storage when receiving the bank encryption key that upgrades credit card issuer.
The described facility 1 of accepting also comprise api interface, be used to set up and accept being connected of facility 1 and belly board 2, comprise the subscriber identity information, the input dealing money that obtain to comprise user identity card number, the api interface of accepting on the facility 1 can also carry out other setting, mainly be can be by the seamless connection of api interface realization with belly board 2, certainly, also can realize accepting being connected of facility 1 and other external unit by this api interface.The present invention realizes accept facility 1 good extendability and compatibility by api interface is set thereon.
Communication unit 25 is used to set up mutual with belly board 2: the information after will encrypting is sent to belly board 2 and the result of belly board 2 transmission is back to processor 21.Communication unit 25 is the modulator-demodular unit of supporting landline telephone, diverse network dial mode or the private port that directly is connected with the opposite end by LAN (Local Area Network).This communication unit 25 mainly is to set up to accept being connected of facility 1 and belly board 2, that is to say, the communication unit of accepting on the facility 1 25 is corresponding with communication interface 62 on the belly board 2.They can be modulator-demodular unit or other particular port communications of supporting multiple dial modes such as landline telephone, GPRS, cdma network.
See also Fig. 4, it accepts an exemplary construction synoptic diagram of facility for the present invention.This accepts the similar box-like of facility, and it comprises a shell and inner structure.The top of outer casing frontispiece is provided with a display screen 31, is used for display message, is the keyboard region 33 that is used for user or trade company's input information under the display screen.Keyboard region 33 belows are provided with I.D. card reader 22, and when second generation I.D. was positioned at card carrying area territory 34, the information of not deciphering in the second generation I.D. can be read by I.D. card reader 22.That is, just can finish under the situation that need not directly to contact between second generation I.D. and the I.D. card reader 22 second generation I.D. is carried out read operation.I.D. card reader 22 is constantly sent the electric field excitation signal of a fixed frequency by its Inside coil, in a certain I.D. is placed on the card carrying area territory 34 of card reader, then the coil on the I.D. produces faint electric current in the induction of this electric field excitation signal, power supply as chip on the I.D., and this chip internal memory contain subscriber identity information, chip on the I.D. is under the effect of this electric field excitation signal, the subscriber identity information of storage in this chip can be fed back to I.D. card reader 22, and then finish the Card Reader operation.
The not subscriber identity information of deciphering that I.D. card reader 22 will be read feeds back to the processor 21 that is arranged on the inner structure.And processor 21 will require the user to input the corresponding password of account and require the information of trade company's input dealing money to feed back to respectively on the display screen 31 to show, so that the prompting user inputs corresponding password of account and prompting trade company input dealing money.
Processor 21 can receive the corresponding password of account of user's input and the dealing money of trade company's input respectively by keyboard region 33, and after carrying out encryption by encryption equipment, is resent to communication unit 25.In this example, communication unit 25 can adopt the private port 32 that directly is connected with the opposite end by LAN (Local Area Network).The facility of accepting provided by the invention can utilize the I.D. (as second generation I.D.) that comprises IC-card to carry out consumer sale, and use together in conjunction with bank card, and security is very high.Originally accept characteristics such as the existing second generation I.D. cipher round results of facility utilization is good, universal and carry out consumer sale, input and safety coefficient height reduce cost.The I.D. card reader of originally accepting facility can be provided by special producer.
See also Fig. 5, it is second kind of structural principle synoptic diagram of accepting facility of the present invention.It comprises an I.D. card reader 41 and a terminal 42.Encryption equipment is integrated on the processor 423 as a software module.
See also Fig. 6, it accepts the structural principle synoptic diagram of facility for of the present invention the third.It comprises an I.D. card reader 51, encryption equipment 52 and a terminal 53, wherein,
Described I.D. card reader 51 comprises antenna 511, RF module 512, is used to read the not subscriber identity information of deciphering;
Encryption equipment 52, comprise a single-chip microcomputer 521 and comprise an interface 522 at least, described single-chip microcomputer 521 connects each interface 522,523 respectively, described single-chip microcomputer 521 is used for dealing money with predefined first encryption keys, and the corresponding password of account is encrypted with bank's encryption key of described credit card issuer correspondence or the corresponding password of account is encrypted with bank's encryption key that the third party provides, and a described interface 522 connects terminal 53;
Terminal 53, it comprises input block 531, output unit 532, processor 533 and some communication units 534,535,
Input block 531 is used to receive the outside information of importing: the corresponding password of account of the dealing money of reception trade company input, the account correspondence password that receives user's input or reception user input and the credit card issuer information that the user selectes;
Output unit 532 is used for transaction results is exported;
Processor 533, connect input block 531, output unit 532 and communication unit 534,535 respectively, be used for the information that described input block 531 sends is sent on the encryption equipment 52 and encrypt, information after encrypting is sent to one sets up mutual communication unit 535, and the result of communication unit 535 feedbacks is sent to output unit 532 with belly board 2;
Communication unit 534,535 is used to set up mutual with external unit, and communication unit 534 is used to set up and being connected of encryption equipment 52, and another communication unit 535 is used to set up and being connected of belly board 2.
The described communication unit 535 mutual with belly board 2 is the modulator-demodular unit of supporting landline telephone, diverse network dial mode or the private port that directly is connected with the opposite end by LAN (Local Area Network).
With the mutual communication unit 534 of encryption equipment 52 can be that USB interface or other can be set up other interface of communicating by letter.The described single-chip microcomputer 521 of encryption equipment 52 can be the single-chip microcomputer of MCS51 or other type.
More than the disclosed several embodiment that only accept facility for the present invention.Accepting facility 1 can be that all unit are arranged in the bulk container, as shown in Figure 4.In addition, accept facility 1 also can by two independently parts form, such as, input block 421, output unit 422, processor 423 and communication unit 425 are integrated in a terminal 42, I.D. card reader 41 is again independently parts, the subscriber identity information of the not deciphering of reading when I.D. card reader 41 is can not directly read in the processor 423 of terminal 42 time, also can interconnect by the interface that is arranged on local terminal respectively, as shown in Figure 5 in I.D. card reader 41 and terminal 42.Also have, accept facility 1 can by three independently parts form, such as, input block 531, output unit 532, processor 533 and communication unit 534,535 are integrated on the terminal 53, encryption equipment 52 also is independently parts, I.D. card reader 51 also is independently parts, and encryption equipment 52 and terminal 53 interconnect by the interface that is arranged on local terminal, as shown in Figure 6.
Also have, described processor can also comprise api interface, be used to set up being connected of trade company and belly board, comprise from accepting subscriber identity information, the input dealing money that facility 1 obtain to comprise user identity card number, the api interface of accepting on the facility 1 can also carry out other setting, mainly be usually that api interface is realized the seamless connection with belly board 2, certainly, also being connected of facility 1 and other external unit accepted in these api interface 342 realizations usually.The present invention realizes accept facility 1 good extendability and compatibility by api interface is set thereon.
Based on the above-mentioned disclosed facility of accepting, following belly board 2 and the hair fastener subsystem 3 introduced of the present invention.
Also see also Fig. 2, belly board 2 mainly is the transaction that is used to set up between trade company and the credit card issuer.This belly board 2 can adopt the Alipay platform of Alibaba Co.The user can open the mode of utilizing ID (identity number) card No. to conclude the business and pay in advance on belly board 2.The cooperative bank of hair fastener subsystem 3 can contract with belly board 2 in advance, and the user of use cooperative bank only need inform the bank of deposit when transaction title just can directly be inputed bank account mouth password and finish operations such as payment, credit card pre-authorization.
Identity decipher 63 is used for the subscriber identity information of not deciphering is decrypted.Described identity decipher 63 comprises at least one deciphering chip.The manufacturing factory of IC-card is by Ministry of Public Security's appointment, the predefined cryptographic algorithm that adopts the Ministry of Public Security to provide during subscriber identity information on IC-card is set.And producer can provide the deciphering chip that comprises corresponding decipherment algorithm to belly board.
Identity decipher 63 can be a deciphering chip.Certainly, in order to improve the decryption capabilities of belly board 2, identity decipher 63 can have the deciphering chip of decryption capabilities for polylith in the present embodiment.These deciphering chips can adopt the mode of parallel processing to decipher difference and accept the not decrypted user identity information that facility 1 transmit.Identity decipher 63 can be a server also, and the deciphering chip that polylith has parallel processing capability is set on server.Identity decipher 63 also can be a software module, is integrated in second processor 61.
In addition, belly board 2 can also comprise second decipher.If the dealing money that second processor receives is encrypted by second encryption equipment, then accordingly, the dealing money that second processor will have been encrypted is decrypted by second decipher in advance.Second decipher can be a deciphering chip, also can be a software module that is integrated on second processor.
Preserve first decruption key on the belly board 2 in advance, it can decipher the data of respectively accepting first encryption keys in the facility, when middle platform 2 receives after the enciphered message after the encryption, find corresponding first decruption key to decipher described information, described information generally includes the order amount of money.Belly board 2 is preserved first encryption key, subscriber identity information and the order amount of money etc.When whether successful hair fastener subsystem 3 return this result of withholing, result is also preserved.
Described second processor 61 comprises bank account acquiring unit and database storage unit, described database storage unit storage user's the identification card number and the corresponding relation of bank account.Before concluding the business, the user can be provided with on belly board 2 and this user identity card number corresponding Bank Account Number in advance, particularly on the credit card issuer that the user selects to pay the bill, when the Bank Account Number of this user identity card correspondence was a plurality of, the user need arrive first in advance on the belly board 2 usually and set.Therefore, after second processor decrypts by the enciphered message of accepting facility 1 transmission, utilize the user identity card after the deciphering number to search database storage unit, if can find corresponding Bank Account Number, then with the part of bank account as the Transaction Information that is sent to the hair fastener subsystem.In fact, the data structure when belly board 2 and credit card issuer are arranged both in advance and transmitted comprises this field of Bank Account Number in the data structure, and the Bank Account Number that finds can be placed on the corresponding field, so that credit card issuer can be discerned and read.
Preserve bank account information on the database, comprise password, the amount of money of the person's of opening an account information, bank account, the account correspondence of described bank account etc.
The 3rd processor comprises data deciphering processing module, deciphering module, transaction processing module, wherein, understand processing module, be used to read the transaction request that sends over from middle platform, therefrom separate the account password of reading subscriber identity information, encryption, bank account etc.
Deciphering module obtains account password after the account password of encrypting is decrypted;
The transaction processing module when comprising bank account in the information of understanding, is compared the account password of preserving on account password after the deciphering and the database, if identical, then passes through, and the processing of withholing, if inequality, then authentication is not passed through.When not comprising bank account in the information of understanding, number find corresponding bank account by the user identity card, if the corresponding a plurality of Bank Account Numbers of same ID (identity number) card No. in this credit card issuer, then payment failure and point out belly board to preset its Bank Account Number.In Transaction Information, comprise Bank Account Number, then only need the processing of withholing of this Bank Account Number.
Be respectively arranged with the 3rd enciphering/deciphering unit and the 4th enciphering/deciphering unit on second processor and the 3rd processor, described the 3rd enciphering/deciphering unit is used to use before sending information to the hair fastener subsystem key of preserving in advance with this credit card issuer agreement to encrypt, and after the information that receives the transmission of hair fastener subsystem, be decrypted with the key of preserving in advance with this credit card issuer agreement, described the 4th enciphering/deciphering unit, be used to use before sending information to belly board 2 key of preserving in advance to encrypt, and the corresponding key of utilization is decrypted after the reception information.
Certainly, hair fastener subsystem and belly board can be provided by same mechanism, and like this, the function that the 3rd processor is realized all is integrated on second processor of belly board.
That is, a kind of belly board comprises second processor, identity decipher and communication interface, and database storage area, wherein,
The identity decipher is used for the subscriber identity information of not deciphering is decrypted;
Second processor is used for the corresponding password of the account that receives is decrypted, and finds the bank account of described subscriber identity information correspondence at database storage area, checks described bank account password and the corresponding password of deciphering after obtaining of account, handles described transaction;
Communication interface, be used to set up with external unit between communication: receive the transaction request that comprises decrypted user identity information not, do not decipher the corresponding password of account and consume the amount of money, and return the transaction processing result;
Database storage area is used to store the data that comprise corresponding relation between subscriber identity information and bank account corresponding relation, bank account and the account password.
Above-mentioned belly board also has the function of credit card issuer, can directly carry out transaction processing.
See also Fig. 7, it comprises the process flow diagram of the method for payment that the I.D. of IC-card concludes the business for a kind of utilization.It comprises:
S110: the I.D. card reader is read the not subscriber identity information of deciphering.
S120: after the account number cipher of user input encrypted, be sent to belly board with subscriber identity information and dealing money without deciphering.
S130: if find the bank account of described subscriber identity information correspondence, then the new transaction information that the corresponding password of the account of dealing money, bank account and not deciphering is formed is sent to the hair fastener subsystem, otherwise the new transaction information that the corresponding password of the account of subscriber identity information, dealing money and not deciphering is formed is sent to the hair fastener subsystem.
S140: the hair fastener subsystem is directly searched Bank Account Number or is searched the Bank Account Number of subscriber identity information correspondence, checks the corresponding password of account after the deciphering, handles described transaction and the transaction processing result is returned.
This step also comprises, the hair fastener subsystem is searched the Bank Account Number of described user identity card correspondence, if the corresponding a plurality of Bank Account Numbers of same ID (identity number) card No. in this credit card issuer, then payment failure and point out to belly board requirement user and set a pair of Bank Account Number that is applied to pay.
In the method, also comprise before the step S110: on belly board, store user's the identification card number and the corresponding relation of bank account in advance; Step S130 also comprises: belly board decrypts user identity card number, if can find the bank account of the identification card number correspondence after the deciphering, then described bank account is sent to described hair fastener subsystem as an ingredient of Transaction Information.
Below be example just with the Alipay, an application process of the present invention is described.See also Fig. 8, it is an example of the present invention.It comprises:
S11: the I.D. card reader receives the China second-generation identity card that the consumer shows;
S12: the I.D. card reader is sent to processor with the information that reads;
S13: trade company utilizes input block to import the amount of money of this transaction;
S14: the consumer utilizes input block to import this conclude the business employed paying bank and corresponding bank cipher;
Processor is encrypted bank cipher with the bank's encryption key that is stored in local this bank correspondence in advance, and utilizes first encryption key of storage in advance that the order amount of money is encrypted;
S15: processor is sent to Alipay with information by communication unit;
S16: the Alipay decrypted transaction amount of money, and utilize identity decipher decrypted user identity information, after the account password of dealing money, subscriber identity information and not deciphering is sent to corresponding hair fastener subsystem.
If carry the credit card issuer information that the user selects in the described information, then Alipay is with subscriber identity information, and the order amount of money etc. is sent to corresponding credit card issuer and handles.If do not carry credit card issuer information in the described information, Alipay can send the processing of withholing to cooperative bank successively, until finding a certain cooperative bank to withhold till the success.If in all cooperative banks, all can not realize withholing successfully, then feed back to the result of the failure of withholing;
S17: Alipay feeds back to the processor of corresponding trade company with result, and processor determines deal whether carry out subsequent treatment according to the situation of withholing.
Alipay can directly feed back to the user with withhold result and the situation of withholing, and also can be that will withhold result and the situation of withholing of credit card issuer feeds back to the user.
The system and method that the I.D. that the present invention also provides a kind of utilization to comprise IC-card carries out authentication.In existing process of exchange, adopt the mode of card number and PIN code to authenticate usually, after card number and PIN code leakage, be easy to cause any property loss.
For this reason, the invention provides the system that I.D. that a kind of utilization comprises IC-card carries out authentication.It comprises I.D. card reader, accepting terminal and authentication platform.
The I.D. card reader can adopt above-mentioned disclosed I.D. card reader.For easy to carry, I.D. card reader of the present invention can be the product of USB shape.It provides the solution based on the plug and play of USBR interface, as long as the standard USB interface of I.D. card reader insertion computer just can be started working.Can also a built-in chip that contains CPU and internal memory on the I.D. card reader in the present embodiment.
Accepting terminal can also can be a computer terminal for accepting facility.When the I.D. card reader is one when having the product of USB interface, accepting terminal also should be provided with USB interface.Accepting terminal connects the I.D. card reader, and accepting terminal connects authentication platform by special line or network.
Accepting terminal is used for the not user identity of deciphering that the I.D. card reader is read is issued authentication platform, the described user identity of authentication behind the user identity that reception is returned.
Authentication platform can comprise controller, the communication interface that is connected with accepting terminal and identity decipher.
The identity decipher is used for the subscriber identity information of not deciphering is decrypted.Described identity decipher comprises at least one deciphering chip.The manufacturing factory of IC-card is by Ministry of Public Security's appointment, the predefined cryptographic algorithm that adopts the Ministry of Public Security to provide during subscriber identity information on IC-card is set.And producer can provide the deciphering chip that comprises corresponding decipherment algorithm to authentication platform.
The identity decipher can be a deciphering chip.Certainly, in order to improve the decryption capabilities of authentication platform, the identity decipher can have the deciphering chip of decryption capabilities for polylith in the present embodiment.These deciphering chips can adopt the mode of parallel processing to decipher the not decrypted user identity information that different accepting terminal transmit.The identity decipher can be a server also, and the deciphering chip that polylith has parallel processing capability is set on server.The identity decipher also can be integrated in the controller for a software module.
Controller is used to receive the data that sended over by accepting terminal, and returns after resolving the subscriber identity information of not deciphering.
Authentication platform can adopt belly board.
See also Fig. 9, its I.D. that comprises IC-card for a kind of utilization carries out the process flow diagram of the method for authentication.It comprises:
S210: the subscriber identity information of not deciphering on the identity card reader reading identity card.When I.D. when the I.D. card reader, the identity card reader can be read on it not subscriber identity information of deciphering, and described information of reading is sent to accepting terminal.
S220: accepting terminal receives the not decrypted user identity information that the I.D. card reader sends, and is sent to authentication platform.
After accepting terminal receives those information, be sent to authentication platform by predefined form.
S230: authentication platform decrypted user identity information, confirm to be back to accepting terminal after its identity.
Authentication platform is deciphered described subscriber identity information, is back to accepting terminal.Accepting terminal can be known its identity information, carries out authentication.
The easiest authentication is that the identity information of reading (as address name, photo) contrasts with the consumer in the present embodiment.
The present invention can also preserve a password in advance, when needs authenticate the user, not only verifies its identity information, also need the password of user's input and the password of preservation are compared, if identical, then by checking.
More than disclosed only be several specific embodiment of the present invention, but the present invention is not limited thereto, any those skilled in the art can think variation, all should drop in protection scope of the present invention.
Claims (15)
1, a kind of utilization comprises the payment system that the I.D. of IC-card is concluded the business, it is characterized in that comprise and accept facility, belly board and hair fastener subsystem, the described facility of accepting comprise I.D. card reader, input block, encryption equipment, processor, communication unit, wherein
The I.D. card reader is used to read the subscriber identity information without deciphering;
Input block is used to receive the outside information of importing: receive the account password of the dealing money of trade company's input, the account password that receives user's input or reception user input and the credit card issuer information that the user selectes;
Processor is used for that the information that described input block sends is sent to encryption equipment and encrypts, and the information after will encrypting be sent to communication unit without the subscriber identity information of deciphering;
Encryption equipment comprises first encryption equipment at least, and described first encryption equipment is used for the corresponding password of the account of accounts information is encrypted with bank's encryption key of described credit card issuer correspondence or the corresponding password of account is encrypted with bank's encryption key that the third party provides;
Communication unit is used to set up mutual with belly board: the information after will encrypting is sent to belly board and the result of belly board transmission is back to processor;
Belly board comprises second processor, identity decipher and communication interface,
The identity decipher is used for the subscriber identity information of not deciphering is decrypted;
Second processor, be used to preserve subscriber identity information and dealing money after the deciphering, if find the bank account of described subscriber identity information correspondence, then the new transaction information that the corresponding password of the account of dealing money, bank account and not deciphering is formed is sent to the hair fastener subsystem, otherwise the new transaction information that the corresponding password of the account of subscriber identity information, dealing money and not deciphering is formed is sent to the hair fastener subsystem, and returns after the result that the hair fastener subsystem returns preserved;
Communication interface is set up respectively and is accepted communicating by letter between facility, the hair fastener subsystem;
The hair fastener subsystem is directly searched Bank Account Number or is searched the Bank Account Number of subscriber identity information correspondence, checks the corresponding password of account after the deciphering, handles described transaction and the transaction processing result is returned.
2, the system as claimed in claim 1 is characterized in that, described I.D. card reader comprises antenna and RF module, and the RF module connects antenna, and the not subscriber identity information of deciphering that is used for receiving is sent to processor.
3, the system as claimed in claim 1 is characterized in that, described identity decipher comprises that one or more has the deciphering chip of parallel processing capability.
4, system as claimed in claim 1 or 2, it is characterized in that, encryption equipment also comprises second encryption equipment, be used for the consumption amount of money is encrypted with predefined first encryption key, described belly board also comprises second decipher, is used for the consumption amount of money by first encryption keys is decrypted.
5, system as claimed in claim 4 is characterized in that, first encryption key of accepting the facility preservation is independent separately and can identifies the private key that it accepts facility that belly board adopts same PKI to decipher by difference and accepts the encryption consumption amount of money that facility send.
6, system as claimed in claim 4 is characterized in that, the hair fastener subsystem is integrated on the belly board, and first encryption equipment and second encryption equipment are same encryption equipment.
7, system as claimed in claim 1 or 2 is characterized in that, described communication unit is the modulator-demodular unit of supporting landline telephone, diverse network dial mode or the private port that directly is connected with the opposite end by LAN (Local Area Network) with communication interface.
8, a kind of utilization comprises the method for payment that the I.D. of IC-card is concluded the business, and it is characterized in that, comprising:
(1) the I.D. card reader is read the subscriber identity information without deciphering;
(2) account number cipher of user input is encrypted after, be sent to belly board with subscriber identity information and dealing money without deciphering;
(3) belly board is deciphered the subscriber identity information that receives, if find the bank account of described subscriber identity information correspondence, then the new transaction information that the corresponding password of the account of dealing money, bank account and not deciphering is formed is sent to the hair fastener subsystem, otherwise the new transaction information that the corresponding password of the account of subscriber identity information, dealing money and not deciphering is formed is sent to the hair fastener subsystem;
(4) the hair fastener subsystem is directly searched Bank Account Number or is searched the Bank Account Number of subscriber identity information correspondence, checks the corresponding password of account after the deciphering, handles described transaction and the transaction processing result is returned.
9, method as claimed in claim 8 is characterized in that,
Step (1) also comprises before: store user's the ID (identity number) card No. and the corresponding relation of bank account in advance on belly board;
Step (3) also comprises: after belly board decrypts user identity card number, if can find the bank account of the ID (identity number) card No. correspondence after the deciphering, then described bank account is sent to described hair fastener subsystem as an ingredient of Transaction Information.
10, method as claimed in claim 8 or 9 is characterized in that,
Step also further comprises in (2): accept facility with dealing money with predefined first encryption keys;
Step (3) also comprises: the belly board not decrypted transaction amount of money is decrypted.
11, method as claimed in claim 8 or 9 is characterized in that, step (4) also comprises,
The hair fastener subsystem is searched the Bank Account Number of described subscriber identity information correspondence, if the corresponding a plurality of Bank Account Numbers of same ID (identity number) card No. in this credit card issuer, and then payment failure and point out to belly board requirement user and set a pair of Bank Account Number that is applied to pay.
12, a kind of facility of accepting comprise the I.D. card reader that comprises antenna and RF module, input block, encryption equipment, processor, communication unit, wherein,
The I.D. card reader is used to read the subscriber identity information without deciphering;
Input block is used to receive the outside information of importing: receive the account password of the dealing money of trade company's input, the account password that receives user's input or reception user input and the credit card issuer information that the user selectes;
Processor is used for that the information that described input block sends is sent to encryption equipment and encrypts, and the information after will encrypting be sent to communication unit without the subscriber identity information of deciphering;
Encryption equipment comprises first encryption equipment at least, and described first encryption equipment is used for the corresponding password of the account of accounts information is encrypted with bank's encryption key of described credit card issuer correspondence or the corresponding password of account is encrypted with bank's encryption key that the third party provides;
Communication unit is used to set up mutual with external unit.
13, a kind of belly board is characterized in that, comprises second processor, identity decipher and communication interface, and database storage area, wherein,
The identity decipher is used for the subscriber identity information of not deciphering is decrypted;
Second processor is used for the corresponding password of the account that receives is decrypted, and finds the bank account of described subscriber identity information correspondence at database storage area, checks described bank account password and the corresponding password of deciphering after obtaining of account, handles described transaction;
Communication interface, be used to set up with external unit between communication: receive the transaction request that comprises decrypted user identity information not, do not decipher the corresponding password of account and consume the amount of money, and return the transaction processing result;
Database storage area is used to store the data that comprise corresponding relation between subscriber identity information and bank account corresponding relation, bank account and the account password.
14, a kind of belly board is characterized in that, comprises second processor, identity decipher and communication interface, wherein,
The identity decipher is used for the subscriber identity information of not deciphering is decrypted;
Second processor, be used to preserve the subscriber identity information and the consumption amount of money, if find the bank account of described subscriber identity information correspondence, then the new transaction information that the corresponding password of the account of dealing money, bank account and not deciphering is formed is sent to the hair fastener subsystem, otherwise the new transaction information that the corresponding password of the account of subscriber identity information, dealing money and not deciphering is formed is sent to the hair fastener subsystem, and returns after the result that the hair fastener subsystem returns preserved;
Communication interface, set up with external unit between communicate by letter: receive and accept the transaction request of consuming the amount of money, subscriber identity information and account password that comprises that facility send, new transaction request is sent to the hair fastener subsystem, the result that reception is returned from the hair fastener subsystem also is back to result and accepts facility.
15, a kind of utilization comprises the method that the I.D. of IC-card carries out authentication, it is characterized in that, comprising:
(1) subscriber identity information of not deciphering on the identity card reader reading identity card;
(2) accepting terminal receives the not decrypted user identity information that the I.D. card reader sends, and is sent to authentication platform;
(3) authentication platform decrypted user identity information is confirmed to be back to accepting terminal after its identity.
Priority Applications (8)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA200710112394XA CN101324942A (en) | 2007-06-13 | 2007-06-13 | Payment system and method performing trade by identification card including IC card |
| TW097111413A TW200941369A (en) | 2007-06-13 | 2008-03-28 | Payment system and method performing trade by identification card including IC card |
| JP2010512326A JP2010531014A (en) | 2007-06-13 | 2008-06-11 | Payment system and method using IC identification card |
| US12/097,503 US20100169223A1 (en) | 2007-06-13 | 2008-06-11 | Payment System and Method Using an IC Identification Card |
| PCT/US2008/066581 WO2008157184A2 (en) | 2007-06-13 | 2008-06-11 | Payment system and method using ic identification card |
| EP08770728A EP2153562A4 (en) | 2007-06-13 | 2008-06-11 | Payment system and method using ic identification card |
| JP2014095358A JP6099272B2 (en) | 2007-06-13 | 2014-05-02 | Payment system and method using IC identification card |
| JP2016106476A JP6360101B2 (en) | 2007-06-13 | 2016-05-27 | Payment system and method using IC identification card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA200710112394XA CN101324942A (en) | 2007-06-13 | 2007-06-13 | Payment system and method performing trade by identification card including IC card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101324942A true CN101324942A (en) | 2008-12-17 |
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ID=40156897
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA200710112394XA Pending CN101324942A (en) | 2007-06-13 | 2007-06-13 | Payment system and method performing trade by identification card including IC card |
Country Status (6)
| Country | Link |
|---|---|
| US (1) | US20100169223A1 (en) |
| EP (1) | EP2153562A4 (en) |
| JP (3) | JP2010531014A (en) |
| CN (1) | CN101324942A (en) |
| TW (1) | TW200941369A (en) |
| WO (1) | WO2008157184A2 (en) |
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| CN102176227A (en) * | 2011-02-17 | 2011-09-07 | 金畬 | Signing testifying method and auxiliary signing testifying system |
| CN103544418A (en) * | 2013-11-05 | 2014-01-29 | 电子科技大学 | Authentication device, system and method based on electronic transaction |
| CN103870777A (en) * | 2012-12-18 | 2014-06-18 | 江苏国光信息产业股份有限公司 | Radio-frequency signal acquisition device and method |
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Also Published As
| Publication number | Publication date |
|---|---|
| JP2010531014A (en) | 2010-09-16 |
| EP2153562A4 (en) | 2011-08-17 |
| JP6099272B2 (en) | 2017-03-22 |
| EP2153562A2 (en) | 2010-02-17 |
| WO2008157184A3 (en) | 2009-12-30 |
| JP2014194792A (en) | 2014-10-09 |
| US20100169223A1 (en) | 2010-07-01 |
| WO2008157184A2 (en) | 2008-12-24 |
| JP2016177837A (en) | 2016-10-06 |
| JP6360101B2 (en) | 2018-07-18 |
| TW200941369A (en) | 2009-10-01 |
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